Health insurance that fits your doctors and your budget
I am an independent agent licensed in 38 states. I compare ACA/Marketplace and private plans from 40+ carriers, check every subsidy you qualify for, and handle enrollment. My help is free.
Every kind of health coverage, compared honestly
ACA / Marketplace plans
Major medical coverage with the 10 essential health benefits and no pre-existing condition exclusions. Most families qualify for a premium tax credit and many never claim it. I check your subsidy first, because it changes which plans are actually affordable.
Private health plans
Coverage purchased outside the Marketplace, useful when you do not qualify for a subsidy or want a network built around specific doctors. I compare these against your Marketplace options side by side so you can see the real trade-offs.
Dental & vision
Standalone or add-on plans that cover cleanings, exams, glasses, and major dental work. Inexpensive to add and one of the most-used coverages families buy.
Supplemental, accident & short-term
Cash-benefit policies that pay you directly for accidents, hospital stays, and critical illness, plus short-term plans that bridge a gap between major medical coverage.
Health insurance, answered plainly
Does it cost anything to use an agent for health insurance?
No. Carriers pay agents directly, and your premium is the same with or without one. Going through an agent adds plan comparison, subsidy checks, enrollment help, and year-round support at no extra cost.
How do I know if I qualify for an ACA subsidy?
Eligibility is based on your expected household income and family size for the year. Many working families qualify and do not realize it. I run the numbers for you before we ever look at plan prices.
Can I get health insurance outside of open enrollment?
Often, yes. Life events such as losing employer coverage, moving, getting married, or having a child open a special enrollment period. Short-term and supplemental plans are also available year round.
Which states can you help me in?
I am licensed in 38 states, including Florida, Texas, Georgia, and Pennsylvania, and I work with both HealthCare.gov and the state-run marketplaces like Pennie and Georgia Access.
Getting close to enrollment season? Read the ACA Open Enrollment checklist or see the carriers I represent.
Let's find your plan
Tell me about your household and I will bring back the plans and subsidies that actually fit. No cost, no obligation, no spam.